They need to show next appointments available before you pay. We paid to find out there weren't any appointments for two days. Tried to cancel right away and requested a refund, which they refused to do. It feels kind of like a scam at that point. Their website makes it seem as if you can talk to a vet right away. Went to a competitor and got medication to my front door before they could even honor an appointment.

Beware they raise their rates 23% on your 2nd year with them. I was at $85 for the first year, then they automatically renewed at $105. No letter, no warning, no claims filed!

The experience is average we are glad we did purchase pet insurance for furry friend. Understanding the reimbursement process is a little cumbersome, but overall they do follow through and get back with you and it has been very helpful

Average at best. Rates increase, increase and increase for no good reason. Your typical insurance company, not much different from human healthcare.

TERRIBLE COMPANY. This company is incompetent.

since oct, dec and jan I submitted claims over 500.00 and have not recieved a penny I know its a renew date but since oct?? what is the sense of ins, if I can get reimbursed, I am low income and elderly I do not want to get rid of this dog she eats better than I do and is very loved

I want to try the service but it worries me that there is no customer support number.

I sent in a claim on 12122024 and it has been approved and I'm still waiting on my check on 01042025. slow process

I haven’t had a ton of experience with this company. I came over from a previous company that I loved but unfortunately could no longer get in my state.

Spot insurance is a fraud! Totally a waste of money! Processing time, even if you include all the correct documents takes up to 10 business days! They try not to pay for things that you are covered by and you have to fight with them about it and threaten to sue. I DO NOT RECOMMEND THIS INSURANCE.